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Canadians receiving CPP and OAS will see their direct deposit on Thursday, September 25, 2025. This is the official Government of Canada payment date for both programs.
Quick note: Many people search for “CRA CPP/OAS.”
While the keyword is common, CPP and OAS are administered and paid by Service Canada, not the CRA.
(The CRA handles taxes and some benefits.)
Who Gets Up To $2,233 A Month?
The widely cited “$2,233/month” refers to the combined potential of CPP + OAS for some seniors.
For July–September 2025, the maximum monthly amounts are:
- CPP at age 65: $1,433.00
- OAS (65–74): $734.95
- OAS (75+): $808.45
That means a senior 65–74 who qualifies for the maximums could receive about $2,167.95 (CPP + OAS), while someone 75+ could receive about $2,241.45 before any GIS.
Your actual amount varies by contributions, age, and income.
Full 2025 Payment Schedule
The Government of Canada’s 2025 schedule for CPP and OAS is the same across both programs:
| Month | CPP & OAS Payment Date (2025) |
|---|---|
| January | 29 |
| February | 26 |
| March | 27 |
| April | 28 |
| May | 28 |
| June | 26 |
| July | 29 |
| August | 27 |
| September | 25 |
| October | 29 |
| November | 26 |
| December | 22 |
These dates apply to direct deposit (faster) and to cheques mailed in advance.
Eligibility And Indexation
- CPP amounts depend on your lifetime contributions and the age you start (taking CPP at 65 vs. earlier/later affects the monthly total). The maximum retirement pension at 65 in 2025 is $1,433.00.
- OAS amounts depend on age, residency, and income. OAS is indexed quarterly; for July–September 2025, payments increased 1.0%. Max monthly OAS is $734.95 (65–74) and $808.45 (75+).
- Low-income seniors may also receive the GIS, which is income-tested and adjusted each July.
How Direct Deposit Works
Set up or update direct deposit for CPP/OAS through your My Service Canada Account (MSCA).
The CRA does not manage CPP/OAS direct deposit changes; for those programs you must update through Service Canada/Government of Canada direct deposit.
What To Do If Your Payment Is Missing
If your direct deposit hasn’t arrived by the date above, wait a few business days for bank processing.
For CPP/OAS service issues, contact Service Canada; for CRA-administered benefits (like GST/HST credit), follow CRA guidance.
September 2025 Snapshot (Maxima)
| Program | Age Band | Max Monthly (Jul–Sep 2025) |
|---|---|---|
| CPP | At 65 | $1,433.00 |
| OAS | 65–74 | $734.95 |
| OAS | 75+ | $808.45 |
Combined examples:
65–74: ~$2,167.95; 75+: ~$2,241.45 (before GIS). Actual totals vary.
For September 2025, CPP and OAS arrive by direct deposit on September 25, 2025.
Maximums for this quarter place typical combined CPP + OAS totals around $2,168 (65–74) and around $2,241 (75+), with further support possible through GIS for eligible low-income seniors.
Ensure your bank details are current in MSCA, review your eligibility and income thresholds, and bookmark the 2025 schedule so you don’t miss a payment.
FAQs
No. CPP depends on your contribution history and start age; OAS depends on age, residency and income. The combined total varies by person.